North Bend, OR Housing Affordability Index
North Bend, Oregon has an MBR Housing Affordability Index score of 95.4 (Near National Average) as of October 30, 2026, ranking 98th most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $352,300 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,929, or 28% of the city’s $81,320 median household income.
The MBR Housing Affordability Index (MBR-HAI) for North Bend is updated every night from live Oregon mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
North Bend is 17.5 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index
View North Bend Mortgage RatesSee What You Can Afford in North Bend, Oregon
Use this North Bend, Oregon home affordability calculator to see how much house you can afford at today’s Oregon average 30-year mortgage rate of 7.28%. A household earning the North Bend median income of $81,320, with no other debts and $70,000 down, can afford a home of about $301,073, compared with a median home value of $352,300. Buying the median priced home with 20% down takes a household income of about $98,500 once property tax and insurance are counted.
| Loan amount | $231,073 |
| Principal & interest | $1,581/mo |
| Property tax | $191/mo |
| Home insurance | $125/mo |
| PMI | $0/mo |
| Total monthly payment | $1,897/mo |
How much house can you afford in North Bend?
Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.
In North Bend, property taxes run about 0.76% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $4,888 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.
What It Takes to Buy in North Bend
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for North Bend, Oregon. The rate is the Oregon average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How North Bend Ranks in Oregon
Cite the North Bend Score
Explore Further
Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
